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Financial Highlights

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 2,138,954 1,525,857 1,377,263 1,315,041 1,213,191
Total Net Loans 1,549,653 1,153,724 1,044,469 989,864 902,999
Total Deposits 1,579,893 1,204,923 1,121,103 1,052,033 968,918
Equity Attributable to Parent Company 298,898 184,461 137,616 125,173 115,909
Total Equity 298,898 184,461 137,616 125,173 115,909
Profitability (%)
Net Income($000) 14,139 15,872 17,217 12,745 9,528
Net Income Attributable to Parent($000) 14,139 15,872 17,217 12,745 9,528
ROAA 0.81 1.04 1.19 0.95 0.77
Core ROAA 1.42 1.10 1.22 1.01 0.81
ROAE 6.50 9.19 12.90 10.59 8.34
ROATCE 8.18 11.68 19.17 16.63 12.45
Core ROAE 11.41 9.70 13.23 11.19 8.71
Net Interest Margin 4.15 3.88 3.91 3.94 3.77
Reported: Net Interest Margin 4.21 4.01 3.93 3.96 3.79
Efficiency Ratio 63.33 67.77 63.83 66.61 71.77
Noninterest Inc/ Operating Rev 21.87 23.08 24.10 22.93 24.68
Balance Sheet Ratios (%)
Loans/ Deposits 98.86 96.66 94.15 95.20 94.42
Securities/ Assets 17.36 16.18 15.38 16.10 17.49
Total Equity/ Total Assets 13.97 12.09 9.99 9.52 9.55
Tangible Equity/ Tangible Assets 10.43 10.47 8.11 7.48 7.79
Tang Common Equity/ Tang Assets 9.98 9.31 6.70 5.75 5.84
Asset Quality (%)
NPAs/ Assets 0.42 0.59 0.81 0.96 1.57
NPA Excl Restructured/ Assets 0.27 0.40 0.51 0.71 1.16
NPAs & 90+ PD/ Assets 0.42 0.59 0.81 0.96 1.57
NPAs/ Loans & REO 0.57 0.77 1.06 1.26 2.08
Nonaccrual & 90+ & OREO/ Assets 0.27 0.40 0.51 0.71 1.17
NPAs & 90+ PD/ Loans & REO 0.57 0.78 1.06 1.26 2.08
NPA & Loans 90+/ Tangible Common Equity + LLR 4.07 5.93 10.76 14.34 22.78
NCOs/ Avg Loans 0.02 0.02 (0.02) 0.11 0.43
Loan Loss Reserves/ Gross Loans 0.87 1.13 1.26 1.43 1.56
Reserves/ NPAs 153.82 145.35 119.22 113.36 74.82
Loan Loss Provision/ NCO 331.91 0 NM 108.40 39.89
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 208,061 140,853 93,463 75,819 67,775
Tier 1 Capital($000) 246,852 187,638 141,840 127,519 120,334
Tier 2 Capital($000) 13,679 13,134 13,305 12,569 NA
Total Capital($000) 260,531 200,772 155,145 140,088 131,581
Total Risk-weighted Assets($000) 1,616,090 1,212,810 1,092,952 1,004,225 895,252
Tier 1 Common Capital (CET1) Ratio(%) 12.87 11.61 8.55 7.55 7.57
Tier 1 Ratio(%) 15.30 15.45 12.98 12.70 13.44
Total Capital Ratio(%) 16.15 16.53 14.20 13.96 14.70
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.80 12.69 10.55 9.96 10.70
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,603,499 10,198,475 8,343,509 7,843,578 7,707,917
Avg Diluted Shares(actual) 13,855,707 12,352,616 10,950,961 10,918,335 10,904,848
Basic Book Value per Share 18.56 16.39 14.22 13.12 12.04
Book Value per Share, As Reported 18.56 16.39 14.22 13.12 12.04
Basic Tangible Book Value per Share 13.14 13.68 10.84 9.43 9.02
Tangible Book Value per Share, As Reported 13.14 13.68 10.84 9.43 9.02
Common Dividends Declared per Share 0.32 0.25 0.22 0.20 0.19
EPS after Extra 1.02 1.28 1.57 1.17 0.85
EPS after Extra Growth(%) (20.30) (18.50) 34.20 37.60 32.80
Core EPS 1.79 1.35 1.61 1.24 0.89
Core EPS Growth(%) 32.40 (16.10) 30.30 39 28.30
Diluted EPS before Amortization 1.05 1.33 1.63 1.24 0.92
Pre-Provision Earnings per Share 1.75 1.16 1.33 1.14 0.82
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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